> For the complete documentation index, see [llms.txt](https://docs.switchappgo.com/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.switchappgo.com/transfers/beneficiaries.md).

# Beneficiaries

These endpoints enable the management of beneficiaries of disbursements.

Beneficiaries are disbursement recipients saved on a merchant's profile. Disbursements to beneficiaries do not require specifying the beneficiary's bank details.

{% hint style="warning" %}
Batch transfers containing a list of more than 20 recipients must use the beneficiary IDs of the recipients instead of bank details. This streamlines disbursements and ensures that all transfer bank details have been properly validated.
{% endhint %}